Personal loans in Pukwana, SD
Roughly 238 residents live in Pukwana, the 166th-largest community in South Dakota. The 2020 count to the 2023 estimate shows about 2.6% growth in Pukwana.
The first question in Pukwana is not the rate on offer but whether the payment fits; about 238 people live here under South Dakota lending law. Every figure below is South Dakota's own, applied to Pukwana's 238 residents, with the publisher and retrieval date attached. If debt is already a strain, a nonprofit credit counsellor can help Pukwana residents before they take on more. The next larger city is Chamberlain, SD about 7 miles away.
Local context for Pukwana
Most of what governs a Pukwana loan is written in South Dakota law rather than in the city; the sourced notes below make that split concrete.
- Population: an estimated 238 residents, 166th of 309 places in South Dakota (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 2.6% more residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a gain of about 6 residents.
- Size percentile: roughly 46% of South Dakota's places have fewer residents than Pukwana's 238.
- Land and density: 0.8 square miles of land carry roughly 310 residents per square mile.
- By land area: Pukwana ranks 125th among South Dakota's 309 places, at 0.8 sq mi.
- Share of South Dakota: Pukwana holds about 0.0% of the state's population, some 238 people.
- National rank: Pukwana is 15,933rd of 19,457 places nationwide.
- Growth rank: Pukwana ranks 63rd among South Dakota's 309 places for the 2020-to-2023 change.
- State comparison: South Dakota's places average +0.9% for 2020-to-2023, against Pukwana's 2.6%.
- Density rank: Pukwana is the 208th most densely settled place in South Dakota.
- Against the state median: Pukwana runs about 310 residents per square mile, where the South Dakota median is 581.
- Location: the Census Gazetteer records it at 43.7791, -99.1843.
- Nearest larger cities: Chamberlain (7 mi); Oacoma (9 mi); Kimball (12 mi); White Lake (24 mi); Platte (32 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places nearby: Reliance (22 mi); Dallas (41 mi); Lane (43 mi).
- Smaller places within 50 miles: 6 of them.
- Larger places within 100 miles: 71.
Pukwana's place among South Dakota's 309 places
Against South Dakota's other places, Pukwana accounts for about 0.0% of the state's population and ranks 166th of 309 by size. On the 2020-to-2023 trend, Pukwana stands 63rd among South Dakota's 309 places — roughly the 80th percentile. By density, at about 310 people per square mile, it ranks 208th in South Dakota. Within 50 miles sit 6 smaller Census places, alongside the 18 that are larger.
Getting a loan in Pukwana
At roughly 310 people per square mile, Pukwana is lightly settled; 18 larger places lie within 50 miles. Distance to a branch rarely matters for Pukwana's 238 residents: the application is online and the price follows your credit file. The nearest larger city, Chamberlain, SD about 7 miles away.
Before you apply in Pukwana
Before you hand your details to a lender in Pukwana, where the population is near 238:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the lender holds a South Dakota licence by checking the regulator named above.
- Borrow only what the purpose requires, not the maximum you are offered.
- Be clear on what the loan is for and how it gets repaid.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
The process is identical across South Dakota; what changes is your credit file, not the fact that Pukwana holds 238 people.
Pukwana: area, density and distance
Pukwana's land area is roughly 0.8 square miles, and the Gazetteer records no significant water area within it. That land carries about 310 people per square mile. For the state's biggest city, Sioux Falls, the distance is roughly 124 miles. Counting outward 50 miles, 18 larger communities surround Pukwana. By land area it ranks 125th of 309 South Dakota places.
South Dakota rules behind a Pukwana personal loan
Below are the South Dakota rules that apply to a loan made in Pukwana, each with the regulator that issued it.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | South Dakota Division of Banking (Department of Labor and Regulation) Source says: "The Division of Banking is charged with the regulation and supervision of state chartered and licensed financial institutions." | South Dakota Division of Banking (Department of Labor and Regulation) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | No general maximum/usury restriction when the rate is set by written agreement; specific caps elsewhere in the code apply (e.g., 36% for licensed money lenders). Source says: "no maximum interest rate or charge, or usury rate restriction... if they establish the interest rate or charge by written agreement" (SDCL 54-3-1.1). | South Dakota Legislature (South Dakota Codified Laws) as of 2026-09-16 |
| Payday lending status | Legal for licensed money lenders (including payday and title lenders) but capped at 36% APR including all fees and charges; violations are a Class 1 misdemeanor and loans are void. Source says: "no licensee may contract for or receive finance charges pursuant to a loan in excess of an annual rate of thirty-six percent" (SDCL 54-4-44); "A violation of this section is a Class 1 misdemeanor. Any loan made in violation of this section is void and uncollectible" (54-4-44). | South Dakota Legislature (South Dakota Codified Laws) as of 2026-09-16 |
Common questions
What are my options in Pukwana if my credit is poor?
What loan size can I expect in Pukwana?
Do I have to pledge anything to borrow in Pukwana?
Does comparing loans in Pukwana cost me credit score points?
Nearby places
- Chamberlain, SD — population 2,491
- Oacoma, SD — population 390
- Kimball, SD — population 581
- Reliance, SD — population 127
- White Lake, SD — population 406
- Platte, SD — population 1,242
- Gregory, SD — population 1,222
- Burke, SD — population 577